Bankruptcy Exemptions and what property can I keep?

Most of the time, all of it.  As an Asheville bankruptcy attorney, I speak with people daily about how it is possible to become debt free and achieve a financial “fresh start” through our country’s bankruptcy system.An important concept in bankruptcy is that people should be allowed to keep certain property they own which is…

My student loan is in default. What are my options?

The usual options to get a student loan out of default are consolidation, rehabilitation, or repayment.  As a North Carolina student loan lawyer, I help people from anywhere in North Carolina cure the default status of their student loans.By doing so, wage garnishments are halted.In addition, student loan borrowers struggling with payments can begin receiving…

Consider your bankruptcy options before spending retirement money.

When financial trouble strikes, people get creative trying to make ends meet.  One common strategy is to use retirement money to pay monthly bills.  As a bankruptcy attorney serving clients in Franklin, NC, I speak to people daily about ideas they have come up with to deal with their debt problems.  I almost never suggest…

Pre-Bankruptcy Alternatives? Choosing Who to Pay

As a bankruptcy attorney in Asheville NC, I speak with people daily about how they are deciding which creditor to pay first when their financial situation becomes strained.Frequently, the loudest creditor is the last one my potential clients should be paying.  Credit Card Collectors When a credit card bill goes unpaid, many accounts are automatically…